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How much is insurance on a Toyota bZ4X?

A 2024 Toyota bZ4X runs about $1,790 a year for a typical 45-year-old, $160 less than an average 2024 car: fewer at-fault claims outweigh slightly pricier repairs.

2024 Toyota bZ4X, national average

about $1,790 a year (about $150 a month)

roughly $1,200–$2,600

An average 2024 car: about $1,940.

Priced: the 2024 bZ4X (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.

The 2024 Toyota bZ4X runs from about $1,790 a year (bZ4X) to about $1,850 (bZ4X Limited AWD): the claims data differs by drive, body, or powertrain.

  • bZ4X; bZ4X Limited: about $1,790
  • bZ4X AWD; bZ4X Limited AWD: about $1,850

The Toyota bZ4X for other drivers on their own policy, a year: 22–25, $2,320; 26–39, $1,980; 65 and older, $1,880.

Adding a 16-year-old with a Toyota bZ4X

A new 16-year-old driving the Toyota bZ4X adds about $1,180 a year ($100 a month), $100 less than with an average 2024 car.

For adding a teen, the Toyota bZ4X ranks 23rd cheapest of our 121 car pages.

That's the whole household's bill going up. Cheapest cars to insure for a teen.

Why the Toyota bZ4X costs what it does

Its insurance claims against an average car's (HLDI):

Repairs
higher than average
Theft and weather
about average
Damage to others
much lower than average
Injuries to others
no figure

The part that fixes or replaces the Toyota bZ4X: about $990, against $950 for an average 2024 car (4% more). The part that pays for harm to others: about $800, against $990 for an average car (20% less).

By the EPA's size classes it's a small SUV, and it's electric. The Highway Loss Data Institute groups it with small SUVs.

  • Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to “Toyota BZ4X electric 4dr” in HLDI's results.

Similar small SUVs

Among these 26 small SUVs, the Toyota bZ4X is the 5th least expensive to insure.

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

Does this look wrong for this car? Tell us

This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.